Mackenzie Hall. Do any of you know of them?

[sea-sidelady]

HELP..!!!

I got 2 of the little red cards today, From what i have been reading, im not going to contact them, but does anyone know anyway that i can find out what debt they could be asking for, as i have no idea what it is, and i dont want to phone them or contact them to ask Any help would be great.

[poz1978]

Hi all

 

I received the red card and the bank mandate a couple of months ago and just ignored them. Letter I received this morning states a reduced settlement offer but if i dont contact them they threatened bailiffs/bankrupcy/ttachement of earnings etc. I am going to ignore this. These debts were taken out in my old married name and I reverted back to my maiden name 4 years ago. Can they prove what name I used to be. Would they be able to get access to that information??? Please help.

 

Thanks poz

[andy8]

You may find this will be enough to chase Mackenzie hall off. But they may just pass it back to the original creditor who may then pass it onto some other collector and you'll have to go through the same procedure again.

 

Im pretty sure that once the cca request has been sent and the debt is in disput then they cannot just pass the debt to another dca as it is already in "dispute"

[chrismc]

Hi all

 

I received the red card and the bank mandate a couple of months ago and just ignored them. Letter I received this morning states a reduced settlement offer but if i dont contact them they threatened bailiffs/bankrupcy/ttachement of earnings etc. I am going to ignore this. These debts were taken out in my old married name and I reverted back to my maiden name 4 years ago. Can they prove what name I used to be. Would they be able to get access to that information??? Please help.

 

Thanks poz

 

Just forget them Poz.....they are very persistant but eventually will go away. They are just fishing. They have been known to threaten everything known to man and some things still to be invented but they do not follow through. They hope you will weaken and call them, then they have you!!

[mac hall]

I will adopt the CAB's advice, and ignore them, until they send details. I'm not going to reply to texts or phonecalls.

Worryingly, the CAB is of the opinion that even by writing to deny ownership of the debt I can *re-open* the statute barring, so I am going to see if I can see a free solicitor should they get too noisy.

...............................

Wow this mirrors pretty much what these people are trying to do with me.

Surely some authority can close them down

Catch 22 they won't give details so ehat can you tell the police ??

[Galactus]

I too have had a few letters from MH, for a debt I didn't recognise. I did owe a debt many years ago, but after advice from the CAB I arranged a small payment each month and successfully finsihed paying it off last year. I also took a loan out 3 years ago with a building society, which I finished paying off a couple of months ago.

 

After readin the advice on this forum, I decided to ignore the letters from MH until they sent me actual details of where the debt was from. Since sending me a very threating letter in September, stating a date by which I must pay the debt in full (also in September), I've heard nothing since.

 

I've just succesfully applied for a new loan and new current account, so I'm guessing there's nothing wrong with my credit record. My advice would be to ignore them until they write to you with something concrete.

[rosiecotton]

Surely some authority can close them down

 

As far as I know, the OFT are investigating them but not much seems to be actually happening. The OFT deals with credit licences etc, and I would hope that they would have the powers to take some form of action - don't know how long they'll take to do this though!

[chloellholl]

You should not repsond to these people. They are just trying to get confirmation of your address and that you are who they think you are.

 

The reason that their tactic works is simply because people are so curious that they can't bear not to respond ot to try and lord it over the company a bit - but in fact as soon as you pick up the phone and quote the reference, the letter or card has done its job.

 

Leave it alone. Don't repsond.

 

 

Can you help me then, I have had contact with this company for nearly two years now and I am currently paying them £41 a month for a debt that my partner does not know where it is from I think he got a letter for a debt of £1300 originally and we wanted to settle this debt he phoned up today was told they could not find his details and then put on hold till he was cut off, not very professional of them. Tell me what I can do about this? thanks

[chloellholl]

What should I do next Mackenzie Hall have taken £41 a month for at least the last year from me does this mean I have to pay until this debt off even though was over six year old when they first contacted my boyfriend. Can I cancel my standing order with them and try and recover the money I have paid them and how do I go about it I would be very grateful of any help thanks

[gerarddobbin]

Chloellholl

If i was you i would not pay any more money to them and cancell the standing order. I did not respond to them and have heard nothing since. I know you have already paid money to them and i don't know if you can get that back. Maybe someone else on the forum can let you know more about that. They will probably try all sorts of bullying tatics to get more money out of you but what you need to do is ask for all the details of the debt that you are suppose to be responsible for. They probably won't have any. If thats the case then why pay them. They should have nothing to hide if they have just cause to collect this money otherwise i would ignore them completely till they leave you alone no matter what they send.

 

gerarddobbin

[ghost town]

hi can anyone help me. a couple of month back i applied for credit with ge capital to pay for a boiler with british gas. a week later i recieved a letter from mackenzie hall saying that i owed money to ge capital from a account at dorethy perkins that i had held over 7 years ago from my old address which was a house where i rented a room. i replyed to them and told them that i had never held this account as i was not into womens clothes and i asked for a copy of the agreement as i thought it was a [problem]. i never heard anything till i just applied for credit and i was refused so i sent off to equifax to find out why and on my report was mackenzie hall and when i contacted the people whom i applied for credit they told me that was why i was refused and also i was search twice by ge capital a month apart for the same finance which they gave me. so why would they give me credit if i was supposed to of not payed for credit in the past can they do that is there anything i can do please help thanx.

[NailPost]

What have MHall put on your credit report? If it is false you can demand they remove it. If they don't tell them you will start legal action for defamation. A default drops off your credit report after six years so it would be illegal for MHall to reinstate it.

 

You should also write to GE Capital and ask them what they have done. It seems odd you applied for credit and all of a sudden this pops up. Even strnager that it was for a store you don't use.

[demon_x_slash]

Statute-barred debt (over six years old with no contact):

 

here

 

CCA request letter:

 

here

 

If they turn up with the CCA send a Subject Access Request for details of the account, enabling you to determine if it is actually yours, If it is, you can claim back any charges placed upon the account, putting it in dispute and referring it back to Kays.

 

If they don't come up with the CCA within the timescale, they have committed a criminal offence and should be reported to the OFT. They also are unable to act on the alleged debt without permission from a judge, and for that they have to provide proof that it's yours.

[ghost town]

hi nail post sorry but i am new to this. they have put on my report default no date and no amount or to who the default is with.

[ghost town]

i need to know how to get them of my credit report do i need to contact equifax. all it says on my report is the record date there is nothing for search reason and nothing for search type but just having that on my report seems to be enough to refuse me credit why.

[duderoo]

Yep I am a total mug. I got a card in May the same time I think the supposed Loan went statue barred, I was unaware of the situation and panicked after they offered to take the outstanding amount out of my wages directly via the courts! So I coughed up £100 for two months then realised this company was dodgy, today they called back after leaving it since no payment since July!

They are the lowest **** I have ever come across and I would rather spend my life blacklisted than pay these lot a penny of my heard earned money.

I requested from them Proof of debt and got the reply “I will get that ordered from your account manager” – but I have the draft now to request it with my £1 cheque ready. So roll on the 30 days and lets see what they do.

[Peanut2]

Never heard of them until last night when i received a weird message on phone.....rang them and boy wish i hadnt! Anyway to cut a long story short i was advised to send them money soonest (debt is £2500) but they could half this for me! they wanted all my details, who owned my house why doesnt my husband pay it off, or get a second mortgage. I did ring them back as at one point man wasnt listening and terminated the call. I rang back and then wish i hadnt as they were not helpful, in fact they were bullying and frightening and made me worry. I then tapped their name into a search engine and low and behold found you guys.

 

They now have threatened further action despite me saying i am in financial difficulty however CAN pay £25 every week to get rid of this payment. They didnt want to know. Mentioning of baliffs or court action (prefer the latter) but now worried as i am sure MBNA who are the debtors spend that on toilet paper a week (i would if I worked for such a company)! Anyway advise pleaeeeese!

 

I am worried and i dont know what to do. The debt is over four years old now and i havent been very good in paying it but i did pay £100 for 13 months then lost my job

 

what do i do?

[duderoo]

Hi Peanut,

When did you last make payment on this account? Just check the advise on this forum (as I am new as well) they have a template letter you can send to them asking for “proof of debt” and just enclose a postal order or cheque for £1 and send recorded delivery, they then have 12 days to respond and if they fail they have to get a court order to progress the debt, if they don’t reply to the request after another 30 days then they are in deep water. DO NOT CALL them they bully you, as I mentioned above they threatened me that they will take it out of my wage directly!! So just deal with them via letter. Do not panic like I did, because I have left myself wide open now, but I will get there in the end.

[Peanut2]

I use to pay another debtor called xxxor something like that......and they have just sold my debt on the 6th and they called me on the 7th! Anyway last payment i made to DLC was around september about £20

they kept dd for payment into my account despite me saying there is no money as i am not working, then the bank charged me £27 fee and then i ended up with £90 fees which could have paid them if they did what i asked them to do.......

 

Back to the facts. I phoned xxxtwo weeks ago asking for advice but i was told in no uncertain terms that i am unable to have any further time so i terminated the call. I wrote them a letter saying I wanted to pay but i need their help not their abuse!

 

They have obviously ignored my letter and sold to MH which are even worse adn i though xxxwere bad enough.

 

She insisted I got a second mortgage even when i said i didnt pay the mortgage nor be in the deeds as I have poor debt and i had to be taken off to allow my husband to get a mortgage! I said it was MY DEBT not his and i have offered money but they need to help me

 

I am only doing my job she said. She isnt she is on incentives and commission and she was awful..........

[duderoo]

Peanut,

Do not worry. As mentioned above use this letter

The letter I used was this one.

 

 

Reference:- M******

In response to your letters, dated the 15 of May, I need you to clarify the particulars of your claim before I can discuss this matter further.

 

I do not acknowledge any debt to your clients, [companyname] PLC and have never received any correspondence from them. I require you to supply the following documentation before I will correspond further on this matter.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee. A copy of this agreement should be supplied within twelve days of the above date.

 

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

 

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

 

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

 

I would also like to point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” Therefore, you must also show that any debt you require payment of has been acknowledged by me in writing within the last six years.

 

I request that once you have provided this information, all other contact be through letter, and that any further letters have dates which accurately reflect the date on which they were sent. I will not discuss this matter over the telephone as I find your staff to be rude, pushy and unhelpful..

Sincerely

And send this recorded via royal mail and enclose either a postal order or cheque for £1 and await there response.

Do not call them as they are just trying to scare you into making a payment, and the account managers will be on a recovery related bonus, the CSA work for the Account managers.

If you really need to speak to them just stay calm and don’t let them bully you, remember you are in control of YOUR money not them. Just get the above printed off and if they send proof of debt then do a financial plan and offer what you can afford.

[Peanut2]

Duderoo, you should be given a halo! Thanks for being so supportive. I have never denied this debt withxxx and even when i moved house I advised them my new address, i jsut have such bad luck and i do want to pay off my debts but I am unable to do so in one go! I dont care if i cant get any further credit, anyone in their right mind wouldnt want to go through all this would they? Anyway, thanks for your support. I will do as you advise and hopefully they will let me do this as I cant see any other way.

 

can they send in the baliiffs just one other question? I do have nice things due to my husband but could you imagine if they turned up? my husband is a bit fed up with me and my debts as it is, that would take the biscuit! I thought a credit card debt was an unsecured loan? If i could pay it though if i had the money I would do a deal ...............i will ensure everything i get from them is filed just in case another ten years down the line they try it on again.

Will let you know how i get on, thanks

[duderoo]

Cheers peanut,

I have a question for everyone; if they can’t prove (with signed documents) that the debt is mine and I have made a payment do I have to still pay the debt?

I ask this because I have just called them asking for the address to send my Proof of debt letter and they told me they don’t and can’t get it. I said well then I am not paying it as I thought it was for a old Visa account which I am now paying off, but they said because I have made payments on this account (3 I found out) this year they I acknowledge the debt?

Is this true or are they pulling a fast one?

[duderoo]

Well I have just spoken to a charity debt advice line and it looks good for me. So even thought I was stupid enough to make payments on a barred debt MH don’t have proof of debt and I wait the next 30 days until I complain to Trading Standards. When I pointed this out to MH agent on the phone she wasn’t happy, hehehe I asked again for my numbers to be removed and contact via letter, but they refused again!!

Power to the People!!

[NailPost]

If MHall won't take your phone number from their records they are in breach of the Telecommunications Act and the Data Protection Act and should be reported to Oftel (or is it Ofcom) and the Information Commissioner.

 

There are so many complaints about this company to various agencies it seems very surprising (NOT!!!) theyare still in business.

[Peanut2]

NailPost, have they the right to send in the baliffs? I dont udnerstand this and they know this as its a good threat isnt it.......? I dont want them turning up out of the blue and this worries me even more